Investor Presentaiton

Λ Collateral Impact secured unsecured % 15.7% 7 17.7% Terms 3.8 2.7 year Amount 3.6 Mln AMD 1.6 Source: 2019 SME research, Ameria CJSC COOPERATION WITH BANKS BANK 15.8% 12.1% 4.2 24.7 3.0 8.3 Majority of loans (56-58%) ARE SECURED. Volume of secured loans is 2.5-3 TIMES GREATER. Term of secured loans is LONGER (1.1-1.2 years on average). Secured loans are subject to LOWER INTEREST RATE. 31

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